Dave Hounddriver

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Dave Hounddriver last won the day on April 21

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About Dave Hounddriver

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  • Birthday 04/20/1955

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    Living in the Philippines

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  1. I could never see myself paying that much for a throwaway ticket. 30 seconds searching found this deal: And even at 1900 pesos I would not pay that. By keeping an eye on prices I have always managed to book a throw away ticket for under 1500 pesos. The last one I bought at that price was in January so we ain't talking ancient history and it irks me to know that some guys still get lucky and find throw aways for 1000 pesos. They usually look longer and more carefully than I do. So 3,000 pesos for a throw away? You gotta be kidding.
  2. I just had a similar experience. A frustrating experience. Allow me to relate: I walk to the ATM at my local PSBank and it is offline so I wander off for half an hour to do other things and then come back. It is still offline so I go in to see the teller and he says to try the bank machine at another bank. Not wanting to cause a fuss I go to the MetroBank, 50 meters away and use their machine. Then it happens. Card accepted, transaction accepted . . machine goes down, spits out the card and goes offline. No cash. So I go back to the teller and ask if the money came out of my account. "Yes it did so you have to go back to Metrobank where the machine is and file a complaint". Back to Metrobank I go and talk to the manager who is a haughty lady who grants me a few minutes of her time to fill out a form then sends me back to PDBank to tell them to also file a complaint to "expedite matters". She said they will not like doing it but insist that they do as it will make things go smoother. So I go back to the teller at PSBank. He asks me to try the ATM machine one more time because his manager tells him he has to tell the customers to use the machine. I try it. It is broken. I go back inside. I ask for 10K cash from the teller. The assistant manager calls over to say "Just try another machine at one of the other banks." I LOSE IT. And in a loud, foreigner voice I said: " I JUST DID TRY THAT AND LOST 9900 PESOS THAT NO ONE CAN FIND FOR ME AND I WANT SOME OF MY MONEY!" So he calls me over to sit me down and check it out. He says that no money is gone from my account. I am still hot under the collar so I tell him that the teller confirmed for me that 9900 came out of my account today. That is why I went to all this trouble. The assistant manager says: "Well 9900 did come out of your account but it was shortly thereafter put right back so your account is the same balance." So I insisted that one of the clerks come out to the ATM with me and confirm that it was not giving me any money and then FINALLY the teller gave me a withdrawal for 10K and they asked that "next time I use the ATM please." So I went over to the BPI to have a look because I have heard good things about it. But the place was a madhouse and I decided to stay with the devil I know rather than go to the one I don't. I have changed banks here before and its pretty much useless. What one back does, the others do too, or soon will. But in the end: I got my cash and my bank balance is where it should be.
  3. My experience, with any girl I have started out in the load selling business, is that it is a money losing proposition because the girl can never resist 'selling' loads to her friends who will 'pay her later' and never do. It is very hard for these ladies to be strict when their friend, auntie, mother, father etc need a load and will "pay her later". She will make a lot of enemies if she refuses to "sell" a load to all her friends and relatives and will make very little if she has to rely on strangers as customers.
  4. They guaranteed me that over 10 years they would not lose any of my capital but they did not guarantee any rate of return. On the other hand. I lost much of my capital the last few times I invested. Not every blue chip stock goes up. Greyhound Canada was a blue chip stock when I bought them at $30 but then management sucked the cream off the top and when they eventually suffered a hostile takeover by some Scottish Firm I got $3 apiece for them on a forced sale .. That was when I started losing money on my investments. I lost me edge and I needs me a professional. But so long as its working for you then go for it. I know many people who "invest"/play the market and think they are brilliant because they always make great rates of return. I used to think like that. Now I know better For me its insurance I take a risk on. Some people have life, health, fire, auto, typhoon, earthquake, and many other insurances. I have none of that. I save bundles, until I have a big loss.
  5. They will accept $5 Canadian so probably would accept 5 pound notes but likely not any more. My money says they are smart enough to realize they may not get them to the Bank of England in time EDIT: But the do charge a surcharge for small notes. Not much, half a peso per $ or something like that
  6. Is she cheaper than a throw away ticket Don't answer that. She might be reading over your shoulder.
  7. But you cannot get a tourist visa for longer than 6 months at a time so the BI is in their rights to ask for an exit ticket, but they don't until you are getting close to the maximum 3 years. Then if you go to get a tourist visa renewal that takes you up to the end of 3 years they will not renew until they see your exit ticket, or in my case I showed them a pic of the ticket on my phone. Your mileage will vary on that one.
  8. Then he's gonna do it again You are nit-picking here, my friend. He is onto a good system that works for him. Too much trouble for me but if you really want to do it right you would do as Steve did while at the airport, waiting to board your flight. Get the ticket printed (must be someone who will print it for you, maybe even the airline check in desk). So now you have 24 hours to board the plane, get to Philippines, go through immigration, ask for the first extension at the airport, and then cancel the ticket. Easy Peasy. But for me, I like to have the throw away ticket. Who know, I may just use it. But I only like my way better when I can get a ticket for US$25 or less. At more than that I start to like Steve's (AlwaysRT) way.
  9. Up until the time I was 55 I totally agreed with you but my brain can't keep up with it any more so I prefer to let someone else do it. I did do some investing on my own when I first arrived here. All gone in no time. I say do it yourself if you are good at that sort of thing ALL the time. I did pretty darn good in my younger days. Very darn good. But one mistake and its all gone. I like the guarantees at the better brokers. So, as they say here, its up to you.
  10. True that, and I did last year, but that was like closing the door after the horse was gone. Oh well. The previous guy was only investing my cash in "conservative stocks" and the new one has me pegged for "moderate risk" so we shall see.
  11. Just telling my own experience here, but I have never found a house or apartment online, in Philippines, that I liked when I saw it for real. I have tried it many times. Looked at many houses and apartments. But there is no truth in advertising here and so much left unsaid and lied about. Here are some of my personal experiences. In one case I went to look and the price immediately jumped when she saw I was a foreigner ("Oh that was an old price in the ad") In another case I went to look and loved the place and the price but when I went to sign the papers, ("OK we have a deal, just bring the deposit and sign the lease", she said), but I showed up and she had rented it to another foreigner who had offered more. Playing everyone against each other to get more money. In many other cases the neighborhood sucked and the house did not look anywhere near as good as the pics which had been taken 20 years ago. In other cases I found out that a caretaker, (or squatter), goes with the place and there was no negotiation so if I took the place I got a freeloader with it. Then there are the animals. They don't mention any lizards, cockroaches, rats, termites, or other animals that you just can't get rid of. Anyway, in my personal experience, the stuff they try to sell or rent online are the dregs that they cannot sell or rent by sticking a sign on the gate and having someone walk by and take a look. Boots on the ground, that's my mantra. Its a similar story when buying or renting a car but that's a tale for another day. All that said, many people come here from other countries and are thrilled to rent a place for 15K pesos that I know should only rent for 10K. For many they say "What's $100 bucks?" For me I see a 50% price hike. EDIT: Note to self. Come back and delete this story when I am ready to sell my own house.
  12. That's very interesting. I don't follow it, I have a broker who does all that and all I see are the statements at the end of the year. His statements don't coincide with the one you just made. Shame about that.
  13. Not sure about all meters but mine have all had off switches at or near the meter.
  14. Did they also tell you that you have to wait until June for the plastic license?
  15. I am not going to say that I wish I had worked longer. But had I done so, I would not be clenching my teeth over this news: "Falling gold, oil prices take toll on Toronto stock market" You see my pension money is primarily in stocks, as bonds and bank deposits yield insufficient growth to retire young and live a long life. So I am getting a double whammy! My stash of cash is losing value (or growing much slower than needed) and the dollars it generates buy fewer pesos each month. I was hurting when the CDN$ dropped to about 32 pesos to the dollar and feeling relieved when it climbed back up to 37. Now it has been on a slow, steady decline for 3 months. When I retired 9 years ago (on my 53rd birthday) the markets were roaring and I was getting 40 pesos to the CDN$ and it was on a growth pattern so that I was doing well when it got to 44. It has all been downhill since 2009. So hope for the best, but if you are gonna retire young you better plan for the worst. My plan was, and still is, to do one of 3 things: First, live fast, die young, and leave a good looking corpse. (I did not expect to live past 65 in my drinking, smoking and partying days.) In that event my money only had to last until I kicked the bucket. Second, if I ran out of money while still young I could go back to work. That could still work but at 62, with 9 years of laziness under my belt, its not so attractive. Third, if the money lasts until 65 there is always the option of going back to Canada and living on the minimum government pension like all the other old farts who did not properly plan. So before you retire at 56, think about all this. No matter what you think is going to happen in the future, it could actually be worse than you expect. Still not going back though